Insurance covering in-network hospital stay for *partially* unnapproved procedure

Hi,

I will be undergoing a procedure with an out of network surgeon soon in an in-network hospital. The surgeon sent over documentation of the medical necessity of my surgery a few weeks ago. There are many codes, so a few of them were not approved. Because of my deductible, the insurance will not be covering the out of network surgeon cost, so financially it does not matter whether or not it gets approved.

What I am concerned about, though, is the insurance piping up after the fact to say that they wont pay the hospital fees because the surgeon performed procedures they did not approve. I spoke to a BCBS rep about this and they told me there would be no issue, they would cover the in-network hospital regardless of whether or not all the codes were approved. However, since they lied to me over the phone about covering IN FULL my out-of-network surgeon once my deductible would have been met (this took so much prying to get them to admit that this wouldn't be the case), I'm very skeptical.

Could someone clarify this for me? Would the insurance cover the hospital stay even for unnapproved procedures (which would also be done alongside the approved procedures)?

Here is my plan: https://www.floridablue.com/fileviewer?id=N2VkNDI2ZDgtY2I0YS00ZDI3LWJmMzQtZjAzMWYwNjcyYzIzLmIwZTQwZjhmOGU3ZTI1M2JjNDA5ZGU2ZjA4YmMxMTA3Y2RhNTU5NWY

Many thanks in advance!

submitted by /u/Civil_Difference_476
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